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About Liquidity Source

In recent years, hundreds of lending institutions have ceased to exist.  Those that do remain intact have changed their lending criteria and processes dramatically, making it increasingly difficult for businesses to secure financing.  Long-term relationships don’t hold the weight they used to and many commercial lenders are finding that they are simply unable to help their clients.  Even if your banker is able to offer a solution, can you be certain that it is the best available option? As a business owner or chief financial officer, we know that you want to ensure that your business is getting the best possible deal and most appropriate products and services. The Liquidity Source is an independent financial advisory and consulting firm that helps businesses secure financing for a variety of purposes, including acquisition and development loans, construction loans, bridge loans, working capital and equipment financing. We know what types of transactions various lending institutions are approving and what their borrower criteria are at any given time.  We’ll conduct an in-depth analysis of your business’ financial position and work with you to clearly define your near-term funding needs and long-term financial goals. Then, we’ll identify prospective funding sources and prepare and deliver your financial presentation. Finally, because The Liquidity Source is not affiliated with any lending groups, you can rest assured that we’ll make sure you get products that best suit your business requirements and we’ll aggressively negotiate the most favorable terms on your behalf.

Our Team

Stuart Gelb, Founder and President

Stuart Gelb can best be described as a serial entrepreneur and renaissance businessman. As the son of a small business owner, he learned the ins and outs of running a business at a very early age. By the time he was in high school, he was working regular shifts at his father’s wholesale food business. While earning a Bachelor’s Degree in Business from The Ohio State University, he continued to hone his business management skills there. Upon graduating, Gelb moved to New York City where he held positions in sales and management with a national wholesale food distributor.

In 1975, Gelb accepted a position with a women’s retail apparel company in New York where he held a variety of management-level positions. In 1985, he co-founded Coolwear, Inc., a clothing company that quickly established itself as a key player in the volatile and highly competitive junior apparel market. Within 10 years, Coolwear had grown into a $50 million company with a ‘who’s who’ client roster that included retail industry giants like Macy’s and Bloomingdale’s as well as a variety of specialty retailers nationwide. For more than 22 years Gelb served as Coolwear’s president and chief financial officer. Although he and shared responsibility for operational and management-related activities, Gelb alone was responsible for the company’s finances, including the development of operating budgets, establishment and management of countless banking relationships nationwide, negotiation of financial agreements and preparation of financial reports.

In the early 2000s, Gelb began to dabble in real estate on the side, buying and managing several residential properties in New York City. In 2005 he assembled a group of investors in an effort to expand the venture. He left Coolwear the following year to focus on evaluating and negotiating transactions. During this time, Gelb produced countless complex financial models and pro forma analyses.

Never one to sit idle, Gelb began to consider his next business venture as the real estate market began to show signs of slowing in 2008. With the precipitously declining economic environment, the impending bank crisis and the associated credit crunch, Gelb’s vision became clear: it would become increasingly difficult for businesses to access capital to fund their operations, much less to fund growth. Sourcing capital would become a full-time job for business owners and chief financial officers, forcing them to neglect their day-to-day responsibilities.

With more than 40 years of experience in small business operations and management, Gelb understood how a lack of access to capital could make or break a business. He also understood that business owners had neither the time nor the desire to spend hours and hours researching and evaluating funding options. Thus, The Liquidity Source was established in 2009 to help businesses evaluate options and secure financing for a variety of purposes, including acquisition and development loans, construction loans, bridge loans, working capital and equipment financing.

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